My name is Carl Ritz from Belvidere, Illinois and I am an Independent Insurance Broker working with the ENTIRE state of ILLINOIS, I have had my own insurance Agency for over 21 years.(SPECIALIZING in the Senior Market) and in the insurance business, that I love and enjoy, for over 38 years. I will provide the Best help and service to anyone turning 65 or anyone already on Medicare and wanting to SAVE money on what they have now.
I understand how intimidating and confusing when someone turns 65 and going on Medicare. I provide free assistance so you don't have to learn it all. I offer my services at no cost to my clients as I am compensated by the 28 or more Nationally recognized insurance carriers that I represent, to assist you while presenting you with many options and choices.
I understand how intimidating and confusing when someone turns 65 and going on Medicare. I provide free assistance so you don't have to learn it all. I offer my services at no cost to my clients as I am compensated by the 28 or more Nationally recognized insurance carriers that I represent, to assist you while presenting you with many options and choices.
Services
Individuals over the age of 65 are eligible for Medicare. It is a federal health insurance plan available in different forms to meet the specific needs of individuals. There's Part A (hospital insurance) and Part B (medical insurance), and then there are other coverage options available, like Medicare Supplement and Medicare Advantage Plans.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.
Medicare Advantage Plans, sometimes called Part C, are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan. This coverage can include prescription drug coverage. When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care.
You can sign up for Part D Prescription Drug Plans, which helps cover prescription drug costs, along with other components of Medicare starting three months before your 65th birthday. It's important to do this on time because there's a permanent premium surcharge for enrolling more than three months after your 65th birthday if you don't have equivalent drug coverage from another source, such as a retiree plan.
Part A Hospital Insurance - Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care).
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